A good DDoS mitigation service can take the brunt of the attack and so you stay online. So, it's not exactly like car insurance companies unless insurance compa

A good DDoS mitigation service can take the brunt of the attack and so you stay online. So, it's not exactly like car insurance companies unless insurance companies actually were able to put a steel wall in front of your car to prevent accidents. But you still get attacked, but it's like a frame around you, so you don't hurt or damaged. (Here's an example of how Incapsula mitigates DDoS attacks - https://www.incapsula.com/ddos/ddos-mitigation-services.html https://www.incapsula.com/ddos/ddos-mitigation-services.html)